Wage Garnishment: Credit Card and Car Repo

By
Roswell Bankruptcy Lawyer
|April 30, 2015

Question: I think my debt has caught up with me and I'm facing a
garnishment. Now I have a good job but in the past I had some major financial problems.
My job as a car salesman didn't work out, and the insurance job didn't
pay too well. I wrote a book and the sales were disappointing. I invested
in a friend's restaurant and I lost money.

Anyway, I had an old credit card that I thought was forgotten about and
I also had a car repo. The credit card was a charge-off. These were from
many years ago and now I just found out that I'm looking at a couple
of garnishments.

Human resources at my company in Sandy Springs called and said that they
are going to start garnishing my check. They said I had some time to take
care of the matter but not that much. I need to stop the garnishment.
I hope I don't get fired because of the garnishment.

I'm going to need money for car repairs, my mortgage and I want to
go hunting in North Georgia for a week. My wife is mad and we might be
getting divorced. Now is not a good time to get garnished. What should
I do to stop the wage garnishment?

H.N. in Sandy Springs

Answer: Getting
garnished is shocking. We get a lot of questions related to garnishments. The only
way to stop a garnishment is to file bankruptcy. Once the bankruptcy is
filed, the garnishment must, by operation of law, stop. A chapter 7 or
chapter 13 will terminate a garnishment.

Each state has different laws regarding garnishments. Some states are more
favorable to creditors than others. Georgia is a state that is favorable
to creditors.

In emergency situations, we can file a "skeleton" bankruptcy
petition. A skeleton has special rules and time constraints, so please
call us directly to discuss how it works. It is common for a garnishment
to be from an old credit card debt, a car repo or from a foreclosure.

The information on this website is for general information purposes only.
Nothing on this site should be taken as legal advice for any individual
case or situation. This information is not intended to create, and receipt
or viewing does not constitute, an attorney-client relationship.